FD Calculator

Calculate Fixed Deposit maturity amount and interest.

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Features

Precise Maturity Calculation

Calculate the exact maturity amount based on principal, rate, and tenure.

TDS Deduction

Factor in Tax Deducted at Source (TDS) to know your real post-tax returns.

Flexible Compounding

Support for Monthly, Quarterly, Half-yearly, and Annual compounding frequencies.

Detailed Breakdown

View Gross Interest, Tax Amount, and Net Interest separately.

Effective Yield

See the Effective Annual Rate (EAR) to understand the true power of compounding.

Currency Neutral

Works with any currency (NPR, INR, USD, etc.) with appropriate formatting.

About FD Calculator

Our Fixed Deposit (FD) Calculator is a comprehensive tool designed to help you plan your investments with precision. Fixed Deposits are one of the most popular and secure investment options, offering guaranteed returns. This calculator takes into account your principal amount, interest rate, tenure, and compounding frequency to provide an accurate estimate of your maturity amount. It also features a Tax Deducted at Source (TDS) calculator, allowing you to see your actual returns after tax deductions. Whether you are a conservative investor looking for safety or planning for a short-term financial goal, this tool gives you the clarity you need.

How to Use FD Calculator

  • 1
    Enter Principal

    Input the total amount you wish to invest in the Fixed Deposit.

  • 2
    Set Interest Rate

    Enter the annual interest rate offered by your bank or financial institution.

  • 3
    Choose Tenure

    Select the duration of your investment in months or years.

  • 4
    Configure Details

    Select the compounding frequency and enter the applicable TDS rate (if any).

  • 5
    View Results

    Instantly see your Maturity Amount, Total Interest, and Tax Deductions.

Frequently Asked Questions

Interest earned above a specific annual limit (e.g., $10k or ₹40k) is usually subject to Tax Deducted at Source (TDS).
Yes, most banks allow premature withdrawal, though they often charge a penalty, typically 0.5% to 1% off the applicable interest rate.
Cumulative FDs reinvest interest for higher maturity value, while non-cumulative FDs pay out interest at regular intervals (monthly/quarterly).
Fixed Deposits are considered one of the safest investments as they are often insured by government schemes up to a certain limit.
Yes, most financial institutions offer loans or overdraft facilities up to 90% of the FD value without needing to close the deposit.
For a standard FD, the rate is locked in at the time of deposit and does not change until maturity, regardless of market fluctuations.